Your Money: New government programs, new scams
Fraud inevitably emerges with new government programs.
Your Money
January 12, 2026

Hello again —

We live in a world where criminals are often one (or many) steps ahead of the people and institutions that are supposed to protect individuals and taxpayers. One frequent reminder of this is the scams and fraud that inevitably emerge with new government programs. There were lots of cheaters piling into pandemic relief schemes. Student loan cancellation is another area where bad actors abound.

Now that millions of people are going to have money from Trump accounts available to them later this year, we expect to see scam artists sniffing around soon. If you see questionable come-ons related to the accounts, please forward them to us. We remain, as ever, at yourmoney_newsletter@nytimes.com.

Below, we’ve rounded up the latest money stories from across the Times. Thanks, and have a good week.

In an illustration a red figure stands on a pink piggy bank, directing a crane that's lowering a larger coin slot for the bank.

your money adviser

How to Make, and Keep, New Year’s Financial Resolutions

Experts offered a variety of suggestions, including paring your list of goals, making saving automatic and avoiding spending temptations like marketing emails.

By Ann Carrns

Minimum Wage Rises in Some States as Workers Struggle With Basic Costs

This year, for the first time, more workers will live in states with a minimum wage of at least $15 per hour than in states with the federal minimum of $7.25.

By Audra D. S. Burch

An illustration of the head of a bull. One of its horns is topped by a tower, with a man standing in it and looking down.

Strategies

After Three Hot Years, Will Stock Markets Sizzle Again?

Returns have been fabulous but consider the potential for setbacks in this already hazardous year, our columnist says.

By Jeff Sommer

U.S. Hiring Continues at Modest Pace, but Weaknesses Are Evident

The unemployment rate fell in December, but job growth across 2025 was the lowest in five years.

By Talmon Joseph Smith

A man in a dark suit speaks into a microphone while seated at a desk.

Trump Calls for 10 Percent Credit Card Interest Cap, After Killing Other Fee Limits

The president revived a campaign promise he has not actively pursued since taking office.

By Stacy Cowley

A wide exterior shot of the Supreme Court of the United States.

sidebar

Supreme Court Increasingly Favors the Rich, Economists Say

A new study found that the court’s Republican appointees voted for the wealthier side in cases 70 percent of the time in 2022, up from 45 percent in 1953.

By Adam Liptak

Wall St. Shows Signs of Anxiety on Fed Threat

A broader shift out of U.S. financial assets would revive last year’s trend called the “sell America” trade.

By Eshe Nelson

A person wearing a face mask, glasses and colorful scarf hands a receipt to the hand of a person in an orange sweater.

work Friend

Why Doesn’t My Boss Respect Sick Days?

Plus, the impossibility of being a middle manager.

By Max Read

How are we doing?
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